Apply online or call a loan officer at 800-531-0341. If prequalified, we'll give you a letter so you can shop with confidence.
Our current VA loan See note 1 rates
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Interest rate See note 2
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APR See note 3
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Who's eligible for a VA home loan?
The VA requires at least one of the following, but other situations could apply. To speak to a loan officer about your eligibility, call 800-531-0341.
- You served at least 181 days straight during peacetime.
- You served at least 90 days straight during wartime.
- You served as a Reservist or in the National Guard for at least 6 years.
- You're the spouse of a service member who died in action or from a service-related disability.
We'll guide you through the process.
Steps to complete We'll guide you through the process.
VA home loan FAQ
You can request a va loan certificate of eligibility COE online, Opens in a New Window. You can also ask your lender to help you get a COE.
The COE confirms that you've met the service requirements needed to get a VA loan. You'll need one every time you apply for a VA loan. For more information, go to the U.S. Department of Veterans Affairs website, Opens in a New Window.
You can buy an existing single-family home, a townhouse or condo, or a new construction. At this time, we don't offer VA loans for mobile or manufactured homes. It must be your primary residence — not a vacation home or an investment property.
The VA has high standards on the condition of the property. So you may have a harder time using a VA loan for a major restoration project. Some lenders may offer special VA programs for homes that need alterations or repairs.
Yes. In some cases, you can reuse your VA loan benefits if you've sold or paid off your VA loan, or if you have leftover entitlement. For more eligibility questions, speak to a loan officer.
It's a one-time, non-refundable fee that you typically pay when you get a VA-backed mortgage. In most cases, you can roll the VA funding fee into the loan. But keep in mind, it’ll add to your overall loan balance.
The fee typically ranges from 1.25% to 3.3% of the loan amount. The exact fee amount is based on the purpose of the loan, your down payment amount, your service history and if you've used your VA loan eligibility before.
Some individuals are exempt from this fee, including:
- Those who get VA compensation for a service-connected disability.
- The surviving spouse of a veteran who died in service or from a service-connected disability.
- Active-duty Purple Heart recipients.
Have questions?
For help, questions or to find out what you may qualify for, give us a call.
Call 800-531-0341
For TTY devices, dial 711
Hours of operation for USAA loan officers
Note: Days and times may vary